2023 W 3rd St, Duluth, MN 55806 Property Records

St. Louis County property record for 2023 W 3rd St, Duluth, MN 55806

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,224 sqft · built 1923
Lot Size	0.08 acres (3,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Oct 2025)
Tax Bill	$2,488 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Nov 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010-1180-00350`

Property Details

APN / Parcel Number

Primary APN	`010-1180-00350`
Alternative APNs	`1099084` `1189868`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,224 sqft Gross Area
1st Floor Area	612 sqft
Basement Area	512 sqft
Finished Basement	512 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	3,511 sqft (0.08 acres)
Garage Area	352 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	48 sqft
Deck Area	294 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1189868
Street Address	2023 W 3RD ST
City	DULUTH
State	MN
Zip	55806-2003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 SERIAL #
Legal Subdivision	DULUTH PROPER SECOND DIV
Legal Block	109
Legal Lot Number	331
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1056
Census Tract	15600

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	524 140TH AVE NW, ANDOVER, MN 55304-4175
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 2, 2020	Warranty Deed, Transfer · VA Mortgage USAA
Sep 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
May 30, 2018	Warranty Deed, Transfer · Conventional Mortgage MEMBERS COOPERATIVE CU
Feb 17, 2017	Deed of Trust, Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2025 · Amount on Record
Deed Sale	Oct 21, 2025 · Amount on Record
Prior Sale	Nov 2, 2020 · Amount on Record
Deed Document Number	20251520777
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 21, 2025
Property Address	2023 W 3RD ST, DULUTH, MN 55806-2003
Document Number	0001520777
Instrument Date	Oct 15, 2025
Instrument	1520777
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7235 GUIDER DR APT 312, 312, WOODBURY, MN 55125-5351

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	524 140TH AVE NW, ANDOVER, MN 55304-4175

Mortgage

Document Number	0001520778
Date	Oct 21, 2025
Instrument	1520778

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.05%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 2, 2020
Property Address	2023 W 3RD ST, DULUTH, MN 55806-2003
Document Number	00A1394830
Instrument Date	Oct 27, 2020
Instrument	A1394830
Transaction Type	Transfer
Record Updated	Dec 2, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2023 W 3RD ST DULUTH MN 558062003, DULUTH, MN 55806-2003

Mortgage

Document Number	A1394831
Date	Nov 2, 2020
Instrument	A1394831

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2023 W 3RD ST, DULUTH, MN 55806-2003
Document Number	00A1342237
Instrument Date	Sep 28, 2018
Transaction Type	Mortgage
Record Updated	Oct 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2023 W 3RD ST DULUTH MN 558062003, DULUTH, MN 55806-2003

Mortgage

Document Number	00A1342237
Date	Oct 9, 2018
Instrument	A1342237

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 30, 2018
Property Address	2023 W 3RD ST, DULUTH, MN 55806-2003
Document Number	00A1333611
Instrument Date	May 29, 2018
Instrument	A1333611
Transaction Type	Transfer
Record Updated	Jun 25, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$419.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2023 W 3RD ST DULUTH MN 558062003, DULUTH, MN 55806-2003

Mortgage

Document Number	A1333612
Date	May 30, 2018
Instrument	A1333612

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2048

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	2023 W 3RD ST, DULUTH, MN 55806-2003
Document Number	00A1304542
Instrument Date	Feb 17, 2017
Transaction Type	Mortgage
Record Updated	Mar 6, 2017
Title Company	PIONEER ABSTRACT AND TITLE COMPANY INC, PIONEER ABS & TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1732 LONDON RD DULUTH MN 558122033, DULUTH, MN 55812-2033

Mortgage

Document Number	00A1304542
Date	Feb 22, 2017
Instrument	A1304542

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55816-0450

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Feb 21, 2022

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,488.00 (+15.83%) Homeowner's exemption
2025	$2,148.00 (+3.67%) Homeowner's exemption	$212,400 (+16.51%) Land $13,300 Building $199,100	$212,400 (+16.51%) Land $13,300 Building $199,100
2024	$2,072.00	$182,300 (+20.73%) Land $15,900 Building $166,400	$182,300 (+20.73%) Land $15,900 Building $166,400
2022		$151,000 Land $14,000 Building $137,000	$151,000 Land $14,000 Building $137,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Airfiber, CTC.

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